As a key financial institution for housing in Algeria, CNEP-Banque offers mortgage solutions that can cover up to 100% of property prices. Interest rates vary from 5% to 6.50%, depending on the borrower's profile and the specific housing project, whether it involves new construction, off-plan purchases, or buying from private individuals. The 'Immo Jeune' program allows applicants under 40 to benefit from repayment periods of up to 40 years, with further incentives available for bank depositors. A specialized offer for AADL 3 subscribers provides a 1% interest rate to finance the initial down payment. In addition to conventional loans, the bank provides Islamic finance options, such as Mourabaha, through dedicated branches. Prospective borrowers are encouraged to visit a local agency to conduct a personalized simulation and ensure their documentation, including property deeds or official allocation certificates, meets all legal requirements.